{"id":"W4415267432","doi":"10.3390/jrfm18100586","title":"On Fintech and Financial Inclusion: Evidence from Qatar","year":2025,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Northumbria University","keywords":"Structural equation modeling; Confirmatory factor analysis; Financial inclusion; Reliability (semiconductor); Construct validity; Variance (accounting); Mediation; Confidence interval; Construct (python library)","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001205479,0.0002413971,0.0006244738,0.0005554879,0.000594344,0.00007619406,0.0003484628,0.0001806912,0.00005054836],"category_scores_gemma":[0.0007470207,0.0002402163,0.0001471356,0.0004189731,0.0001047008,0.000314055,0.001018563,0.0004387815,0.00003065118],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000112804,"about_ca_system_score_gemma":0.00004601436,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003312007,"about_ca_topic_score_gemma":0.00005486645,"domain_scores_codex":[0.9981968,0.00003433152,0.0009623378,0.0004256869,0.0001052034,0.0002756072],"domain_scores_gemma":[0.998696,0.0002014044,0.0006698885,0.0002797433,0.00006999217,0.00008293182],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.001092654,0.0002894819,0.02301205,0.00016803,0.00004078354,0.0001833791,0.002218849,0.00003734951,0.00007763459,0.3586166,0.01665774,0.5976054],"study_design_scores_gemma":[0.001640067,0.0005429256,0.1615426,0.001092678,0.00007022297,0.000006032889,0.00005918998,0.00009684524,0.0002691527,0.440542,0.3937768,0.0003614919],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8655055,0.03199551,0.09674952,0.0009780816,0.001626088,0.0003143398,0.0001257025,0.00001729429,0.002687986],"genre_scores_gemma":[0.9545546,0.0414414,0.0021086,0.001159158,0.0002838558,0.000007317376,0.000002564184,0.00001312598,0.0004293645],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5972439,"threshold_uncertainty_score":0.9795738,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0126729903047332,"score_gpt":0.2234682500334401,"score_spread":0.2107952597287069,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}